| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DR. SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.0M |
| UMR, INC EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $775K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $574K |
| CVS CAREMARK EIN 75-2882129 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $134K |
| MADISON INVESTMENT ADVISORS. LLC EIN 39-1194160 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $121K |
| SHUMAKER, LOOP & KENDRICK, LLP EIN 34-4439491 NONE | Legal; Direct payment from the plan Service code 29 | — | $114K |
| HIGHTOWER ADVISORY EIN 36-4500709 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $103K |
| STRATACOR EIN 41-1852523 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $63K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $60K |
| HONSA-BINDER PRINTING EIN 41-1605232 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $47K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| VSP EIN 06-1227840 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| SWORD HEALTH TECHNOLOGIES, INC. EIN 41-1654544 NONE | Direct payment from the plan; Claims processing Service code 12 | 13937 SPRAGUE LANE SUITE 100 DRAPER, UT 84020 | $26K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Custodial (securities); Float revenue; Other investment fees and expenses; Soft dollars commissions; Securities brokerage commissions and fees Service code 19 | — | $12K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 1,358 | $3.3M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,230 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,230 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.